Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 19 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
36 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
Acerta Verzekeringen from Brussel, company number BE0703952160, closed financial year 2025 with a result of € 2,035 after tax. For that financial year Acerta Verzekeringen recorded revenue of € 1.5 million and equity of € 109,655. Compared with financial year 2024, the result moved from € 158,723 to € 2,035. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on May 21, 2026.
€ 109,655
▲ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 2,035
▼ 99% vs 2024
Profit after tax over the fiscal year.
€ 59,471
▲ 136% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 91,055.
People and assets in 2025
8.6
▲ 2.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 633,339
▲ 43% vs 2024
€ 73,600 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 940,000
▲ 19% vs 2024
Loans from banks and other lenders, long and short.
€ 114,330
▲ 8% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 44 days on average.
€ 134,128
▲ 31% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 1,112,190 | € 1,130,550 | € 1,414,384 | € 1,529,130 | ▲ 8% |
| Profit after taxes | € 221,924 | € 52,319 | € 158,723 | € 2,035 | ▼ 99% |
| Equity | € -103,421 | € -51,102 | € 107,621 | € 109,655 | ▲ 2% |
| Total debts | € 992,069 | € 1,005,103 | € 998,978 | € 1,189,009 | ▲ 19% |
| Cash | € 5,535 | € 14,720 | € 25,185 | € 59,471 | ▲ 136% |
| Retained profit | € -122,021 | € -69,702 | € 89,021 | € 91,055 | ▲ 2% |
| Bank debt | € 750,000 | € 825,000 | € 790,000 | € 940,000 | ▲ 19% |
| Balance sheet total | € 888,648 | € 954,001 | € 1,106,599 | € 1,298,664 | ▲ 17% |
| Employees (FTE) | 9.5 | 5.8 | 6.4 | 8.6 | ▲ 2.2 |
Key figures of Acerta Verzekeringen, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Acerta Verzekeringen?
What happened at Acerta Verzekeringen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Ruben Lemmens stepped down as director. NBB
- Patrik Haesen stepped down as director. NBB
- Sigrid De Wever stepped down as director. NBB
- Christophe Deroose stepped down as director. NBB
- Pascal Verdonck stepped down as director. NBB
- Sonja De Becker stepped down as director. NBB
- Dirk Vandeputte stepped down as director. NBB
- Raf Sels stepped down as director. NBB
In short
From € 221,924 profit in 2022 to € 2,035 profit in 2025.
Paid € 78,237 in corporate taxes since 2022.
Best year ever: 2022, with € 221,924 profit.
Pays suppliers within 44 days on average.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The shares are held by Acerta BV (98%), Acerta Services BV (1%) and Acerta Consult BV (1%).
Directors
According to the 2025 annual accounts
Ruben Lemmens
Director
Also active at: BEWEL, IDEWE - Externe dienst voor Preventie en Bescherming op het werk, MEDILIM, Terlamen, ACERTA SOCIAAL VERZEKERINGSFONDS, ACERTA Consult, Bouwfonds van CM Regio Limburg, SHEHERAZADE Développement +9 more
since 2025 · until 2031
Patrik Haesen
Director
Also active at: ACERTA SOCIAAL VERZEKERINGSFONDS, ACERTA Consult, SHEHERAZADE Développement, Acerta Services, ACERTA SOCIAAL SECRETARIAAT - ACERTA SECRETARIAT SOCIAL - ACERTA SOZIALSEKRETARIAT, ACERTA, ACERTA ONDERNEMINGSLOKET- ACERTA GUICHET D'ENTREPRISES
since 2025 · until 2031
since 2020 · until 2026
Sonja De Becker
Director
Also active at: KBC Groep, ACERTA SOCIAAL VERZEKERINGSFONDS, SHEHERAZADE Développement, Acerta Services, ACERTA SOCIAAL SECRETARIAAT - ACERTA SECRETARIAT SOCIAL - ACERTA SOZIALSEKRETARIAT, ACERTA, ACERTA ONDERNEMINGSLOKET- ACERTA GUICHET D'ENTREPRISES, KBC Global Services
since 2022 · until 2028
Marc Meylaers
Director
Also active at: MAATSCHAPPIJ VOOR ROEREND BEZIT VAN DE BOERENBOND, ACERTA SOCIAAL VERZEKERINGSFONDS, ACERTA Consult, SHEHERAZADE Développement, Acerta Services, A.T.L. - RENTING, ACERTA SOCIAAL SECRETARIAAT - ACERTA SECRETARIAT SOCIAL - ACERTA SOZIALSEKRETARIAT, ACERTA +5 more
since 2019 · until 2025
Dirk Vandeputte
Chairman of the board
Also active at: ETION Synergia, ACERTA SOCIAAL VERZEKERINGSFONDS, Imopa, ACERTA Consult, DIMEX, SHEHERAZADE Développement, VANDEPUTTE SAFETY INTERNATIONAL, BELFAR +23 more
since 2022 · until 2028
Sigrid De Wever
Director
Also active at: ACERTA SOCIAAL VERZEKERINGSFONDS, ACERTA Consult, SHEHERAZADE Développement, Acerta Services, ACERTA SOCIAAL SECRETARIAAT - ACERTA SECRETARIAT SOCIAL - ACERTA SOZIALSEKRETARIAT, ACERTA, ACERTA ONDERNEMINGSLOKET- ACERTA GUICHET D'ENTREPRISES
since 2025 · until 2031
Geert Vanoverschelde
Director
Also active at: ACERTA SOCIAAL VERZEKERINGSFONDS, ACERTA Consult, SHEHERAZADE Développement, Acerta Services, ACERTA SOCIAAL SECRETARIAAT - ACERTA SECRETARIAT SOCIAL - ACERTA SOZIALSEKRETARIAT, ACERTA, ACERTA ONDERNEMINGSLOKET- ACERTA GUICHET D'ENTREPRISES
since 2021 · until 2027
Christophe Deroose
Managing director
Also active at: ACERTA SOCIAAL VERZEKERINGSFONDS, ACERTA Consult, SHEHERAZADE Développement, Acerta Services, ACERTA SOCIAAL SECRETARIAAT - ACERTA SECRETARIAT SOCIAL - ACERTA SOZIALSEKRETARIAT, ACERTA, INFINO VLAANDEREN, INFINO WALLONIE +2 more
since 2025 · until 2031
Raf Sels
Director
Also active at: ACERTA SOCIAAL VERZEKERINGSFONDS, ACERTA Consult, SHEHERAZADE Développement, Acerta Services, ACERTA SOCIAAL SECRETARIAAT - ACERTA SECRETARIAT SOCIAL - ACERTA SOZIALSEKRETARIAT, ACERTA, ACERTA ONDERNEMINGSLOKET- ACERTA GUICHET D'ENTREPRISES, EverESSt
since 2022 · until 2028
Pascal Verdonck
Director
Also active at: ACERTA SOCIAAL VERZEKERINGSFONDS, ACERTA Consult, SHEHERAZADE Développement, KINDERDAGVERBLIJF WITJE WIEBEL, Acerta Services, Frey, ACERTA SOCIAAL SECRETARIAAT - ACERTA SECRETARIAT SOCIAL - ACERTA SOZIALSEKRETARIAT, ACERTA +8 more
since 2025 · until 2031
since 2018 · until 2025
Chris Botterman
Vice-chairman of the board
Also active at: ELISABETH AAN ZEE, ACERTA SOCIAAL VERZEKERINGSFONDS, Sint Vincentius, Sint Jozef, ACERTA Consult, O.L.V. van Lourdes, Sint Anna, SHEHERAZADE Développement +10 more
since 2018 · until 2026
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Esplanade 1 box 65
1020 Brussel
Groenenborgerlaan 16
2610 Antwerpen
Active since 12 September 2018
Diestsepoort 1
3000 Leuven
Active since 12 September 2018
Koestraat 177B box 3.1
8800 Roeselare
Active since 1 April 2019
Ninoofsesteenweg 354
1700 Dilbeek
Active since 1 April 2019
Battelsesteenweg 455 box A1
2800 Mechelen
Active since 1 April 2019
Rue du Fort 3
4460 Grâce-Hollogne
Active since 16 September 2019
Louizalaan 123A
1050 Brussel
Active since 16 December 2019
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 36 companies are registered at this address.
All companies at this address →B.E.C. - Raadgevend Ingenieursbureau
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€ 6.8 million revenue · 2025
United Brands Association
€ 897,579 gross margin · 2025
+31 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0703.952.160
- VAT number
- BE 0703.952.160
- Registered office
- Esplanade 1 bus 65, 1020 Brussel
- Names & denominations
- Acerta Verzekeringen
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 September 2018
- Peppol
- Active · Active since 22 Oct 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars